Happy customer holding car keys beside a second-hand car on a dealership forecourt

Get car finance and AA Assured cars under one roof.

Quick Start

See what you could afford with no impact on your credit score

See what you can afford with a soft search. Browse AA-inspected vehicles. Arrange your car and finance with one team, from application to keys.

Multiple lenders. One soft search.

We'll search across specialist lenders to find the best finance options available to you.

Google reviews: 5.0 average rating
AA Inspected Vehicles
Soft Search
Secure Application
FCA Regulated

How car finance works from planning to keys

Man at home answering questions on his laptop

Dealer and customer shaking hands in the showroom

One team

One place for your car and your finance

We arrange your car finance through a panel of lenders and supply the car, so it is all in one place. Browse AA-inspected cars, see the monthly payment, and apply, with no chasing a separate dealer.

Browse AA-inspected cars

Soft search

No impact on your credit score.

See what you could afford with a soft search. Browse AA-inspected cars and arrange your finance and vehicle all in one place.

See what you can afford

Search by budget

Start with what you want to pay

Choose your monthly payment, deposit and term.Browse AA-inspected cars that match your budget.See real monthly payments upfront, before you apply.

Monthly budget

Deposit

Term

Find my next car Or use our finance calculator

Part of Oakwood Motor Company group, trading 20+ years

Car finance and your car, from one team.

We arrange your car finance through a panel of lenders, including specialists in bad credit. We supply the car ourselves. That means your car and finance come from one place.

One application, one team, from the soft search to the keys.

AA Inspected
FCA Regulated
Soft Search
Secure Application

Check my options

Soft search · no impact on your credit score

Featured cars

A wide selection of AA-inspected stock with clear monthly payments, ready to apply for online.

Finance explained

Hire Purchase, made simple

A straightforward way to finance your car. No jargon and no hidden fees, just clear monthly payments and AA-inspected stock from one group.

HP basics

What is HP?

Salesperson handing over car keys to a customer

Hire Purchase lets you spread the cost over fixed monthly payments. You own the car once all payments are made.

Fixed payments

Know your monthly cost

Couple going through an agreement together on a laptop

Your rate and term are agreed upfront, with clear monthly payments and no surprises.

Own your car

Yours at the end

When the agreement ends, the car is yours. No balloon payment and no mileage limits.

Start my soft search

Representative example: Borrowing £10,000 over 60 months at 12.9% APR would cost £223 per month. Total repayable £13,380. Subject to status. 18+ UK residents only.

Before you apply

Who Hero helps with car finance

Hero is built for the situations other lenders decline. That includes bad credit, CCJs, IVAs, defaults and drivers refused elsewhere. It includes people without three years of UK address history, such as recent arrivals to the UK and returning expats. It includes drivers in negative equity on a current car, and the self-employed, students and provisional licence holders. The panel includes lenders who specialise in these circumstances, so a profile that gets an automatic no elsewhere gets a proper look here. The soft search shows where you stand with no impact on your credit score.

At a glance

Bad credit, CCJs, IVAs and defaults
Refused elsewhere
Less than three years of UK address history
Negative equity on your current car
Self-employed, students and provisional licences

Finance options

Personal Contract Purchase

PCP keeps your monthly payments lower than Hire Purchase by holding back part of the car's value as an optional final payment at the end of the agreement. Terms run up to 5 years. When the agreement ends you choose: pay the final payment and keep the car, hand it back, or put any equity toward your next one. It suits drivers who want a lower monthly payment, or who like to change car every few years.

At a glance

Lower monthly payments than Hire Purchase
Terms up to 5 years
At the end: keep it, hand it back or put the equity toward your next car

What you need to apply for car finance

The baseline is simple. You are at least 18, you hold a valid driving licence, and you have a regular monthly income. Provisional UK, EU, European and international licences are all accepted. The eligibility check runs a soft search, so you see what you can afford before anything touches your credit score. If you decide to go ahead, the lender may run a full check before you sign the finance agreement.

Begin my application

At a glance

Aged 18 or over
A valid driving licence
A regular monthly income
A soft search first, with no impact on your credit score

What customers say

Honest feedback from UK drivers

Real stories from customers who trusted Hero for finance and stock under one roof. Their words reflect the difference a soft-search-first journey can make.

The soft search gave me confidence to apply. Approved the same day and picked up my car that week.

Trust the process — Hero made car finance feel straightforward when other lenders had already said no.

Sarah M.

Driver, Manchester

See how straightforward car finance makes a difference?

Common questions about car finance

We work with a panel of lenders who consider a range of credit profiles. Our soft search lets you see what you can afford without affecting your credit score, so you can see your options before committing.

Yes, in many cases we can offer finance with little or no deposit. Your eligibility and terms depend on your individual circumstances and the vehicle you choose.

A soft search is a preliminary credit check that doesn't leave a visible mark on your credit file. It helps us understand which finance options may be available to you before a full application.

Absolutely. We accept applications from self-employed individuals. You may need to provide additional documentation such as bank statements or accounts to verify your income.

A CCJ doesn't automatically rule you out. We assess each application individually and work with specialist lenders who may be able to help depending on your circumstances.

Can't find your answer? Call 0161 843 7934 or email sales@herocarfinance.co.uk.

Smiling woman in the driver's seat of her car

Get started today

Find out where you stand today

Soft search, no impact on your credit score.

See what you can afford with a soft search that won’t affect your credit score. Browse AA-inspected cars that fit your budget. Arrange your car and finance with one team, from application to keys.

See what you can afford Browse cars first

✓ FCA Regulated✓ Soft Search✓ Secure Application✓ AA Inspected Vehicles